Who Has Affordable Toledo Car Insurance for Drivers with Accidents?

For drivers with at-fault accidents, one of the more important things that help determine the amount you pay for auto insurance is the neighborhood you call home. Larger areas tend to have higher auto insurance costs, whereas areas with less crime or weather claims have the enjoyment of a little cheaper coverage.

The illustration below rates the most expensive areas in Ohio for drivers with accidents to purchase a policy in. Toledo is ranked at #1 with a yearly cost of $1,267 for the average insurance policy, which is about $106 monthly.

Car insurance prices in Toledo
Rank City Annual Rate
1 Toledo $1,267
2 Youngstown $1,247
3 Columbus $1,235
4 Cleveland $1,222
5 Cincinnati $1,174
6 Cleveland Heights $1,166
7 Euclid $1,164
8 Dayton $1,142
9 Akron $1,135
10 Hamilton $1,135
11 Springfield $1,105
12 Canton $1,102
13 Middletown $1,066
14 Newark $1,053
15 Fairfield $1,053
16 Beavercreek $1,047
17 Kettering $1,040
18 Mansfield $1,032
19 Lakewood $1,031
20 Lorain $1,015
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Annual rates are comparative as the garaging address in Toledo can increase or decrease prices substantially.

Establishing which companies have the most affordable car insurance rates for drivers with accidents involves a little more work than just comparing a company or two. Every auto insurer uses a little different formula for establishing rates, so let’s examine the car insurance companies that tend to be cheaper in Toledo, OH.

It’s important that readers know that Toledo car insurance rates are impacted by many things that control the policy premium. Simply getting older, adding a teenager to your policy, or getting a reckless driving citation may prompt premium changes that may make certain companies more affordable than others.

Best Auto Insurance Prices for Accident Prone Drivers

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Rankings for the cheapest Ohio auto insurance companies
Rank Company Cost Per Year
1 Utica National $635
2 Erie $681
3 Frankenmuth $687
4 Allied $690
5 Travelers $712
6 USAA $719
7 Merchants Insurance Group $748
8 Cincinnati Insurance $756
9 General Casualty $805
10 Motorists Mutual $816
11 Grange Mutual $836
12 Central Mutual $866
13 Hastings Mutual $884
14 State Farm $885
15 Atlantic States $904
16 Westfield $908
17 Western Reserve $941
18 Progressive $982
19 Auto-Owners $988
20 Farmers $995
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Utica National generally has some of the lowest car insurance rates in Toledo at around $635 a year. This is $405 less than the average rate paid by Ohio drivers of $1,040. Erie, Frankenmuth, Allied, and Travelers are also some of the cheaper Toledo, OH car insurance companies.

As depicted above, if you currently have a policy with Frankenmuth and switched to Utica National, you may see a yearly savings of in the neighborhood of $52. Insureds with Allied could save as much as $55 a year, and Travelers customers might cut rates by $77 a year.

To find cheaper insurance rates for your vehicle, click here to start your free quote or quote rates from the companies below.

Bear in mind that those policy rates are averaged across all drivers and vehicles and do not take into consideration an exact zip code location for drivers with accidents. So the car insurance company that is most affordable for your situation may not even be in the list above. That illustrates why you need to quote rates from as many companies as possible using your own driver and vehicle profiles.

Types of discounts on Toledo insurance

Save on car insurance for drivers with at-fault accidents in ToledoCar insurance companies that offer quotes for drivers with accidents could also offer rate discounts that could lower prices by as much as 35% if you can meet the requirements. Popular car insurance companies and their possible discounts are shown below.

The diagram below illustrates the comparison of auto insurance costs with and without discounts applied to the rates. The costs are based on a male driver, no violations and two accidents, Ohio state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows the average annual price with no discounts. The second bar shows the rates with multiple vehicle, homeowner, anti-theft, passive restraint, vehicle safety, and paid-in-full discounts applied. When drivers take advantage of discounts, theamount saved on car insurance for drivers with accidents is 28% or $552.

Impact of speeding/accidents on car insurance rates

The common sense way to snag the cheapest car insurance prices in Toledo for drivers with at-fault accidents is to drive safe and avoid accidents and traffic violations. The example below demonstrates how speeding tickets and at-fault collisions can drive up annual premium costs for different categories of driver ages. The data assumes a single male driver, full coverage, $100 deductibles, and no discounts are applied.

In the prior example, the average cost of a car insurance policy in Toledo per year with no violations or accidents is $1,750. Get written up for two speeding tickets and the average cost increases to $2,322, an increase of $572 each year. Then add two accidents along with the two speeding tickets and the annual cost of car insurance for drivers with accidents jumps again to an average of $4,371. That’s an increase of $2,621, or $218 per month, just for not being more responsible behind the wheel!

If you would rather get help from a professional when comparing insurance rates for drivers with at-fault accidents, the agents below can most likely help you determine which auto insurance coverages would be the best in your situation.

To locate an agency nearest to you, click the link after the list.

Jan Scotland – State Farm Insurance Agent
4806 Dorr StToledo, OH 43615(419) 536-4200

Great Lakes Insurance Partners
5215 Monroe St # 2Toledo, OH 43623(419) 841-2000

Allstate Insurance: Evans Insurance Group Corp.
1900 Monroe StToledo, OH 43604(419) 241-8061

Allstate Insurance: Tim Wyrostek
2008 N Holland Sylvania RdToledo, OH 43615(419) 536-5100

American Casualty Insurance
6060 Renaissance Pl iToledo, OH 43623(419) 885-3571

View more Toledo, OH insurance agencies

How to find the cheapest insurance for drivers with accidents

Here are some thrifty solutions that can help drivers quote lower-cost car insurance.

The last item on the list is extremely valuable, as was pointed out in this article. Insurance prices change frequently, so drivers shouldn’t hesitate to switch companies if a lower price can be found. Having a favorite company is fine, but it isn’t a good idea if that devotion results in you overpaying hundreds of dollars year after year. If you have a few minutes, now is a great time to compare prices to find cheaper auto insurance for drivers with accidents in Toledo.